Welcome

Aviva is the brand name of Dabur CGU Life Insurance Company Pvt. Ltd

Dreams Par Control

Business Proposition From Aviva

Aviva is the brand name of Dabur CGU Life Insurance Company Pvt. Ltd

Defining Purpose

House

Money

Car

People Have Dreams!

Education

Travel

Recognition

Defining Purpose
How to convert dreams into reality?
By associating with the countrys fastest growing industry over the last ten years By cashing on the double digit growth of the industry over the next ten years By growing with a company that is growing much faster than the industry By being an entrepreneur without investing any financial capital By giving valuable advice that can change somebodys life.forever

By helping others realize their dreams!

Who Are We?

About Aviva Plc

Our International Presence

Worlds 5th largest insurance company No. 1 in the UK; Amongst top 5 players in UK, Ireland, Netherlands, Poland, Spain, Turkey and Singapore Europes leading life and pension provider Overall premium income of US$ 41 billion (INR 200,000 crore) Over US$ 300 billion assets under mgt (15,00,000 crore)

Operations in over 30 countries

Over 40 exclusive BA partnerships Over 25 million customers and 64,000 employees

About Aviva India

Aviva India
A joint venture between Dabur & Aviva Dabur India 120 year old trusted leading FMCG company and a household name with turnover of over INR 1400 crore 148 year old history pre-nationalization - the Group began writing life business in India in 1834

Largest private insurer pre-nationalisation

One of the first foreign insurance companies to open their representative office in India (1995)

Bancassurance partnerships include: ABN AMRO, American Express, Lakshmi Vilas Bank , Bank of Bahrain & Kuwait , Punjab & Sind Bank & Canara Bank.
Field force of over 2500 Financial Planning Advisers across the country
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About Our Reach

Distribution Network
DSF Operations in 27 locations through 26 sales centers Overall Presence in 96 locations Corporate office in Gurgaon

ABN

Amex
LVB
Canara

Why Choose This Opportunity?

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Asian Insurance Industry

Asia has almost 1,000 insurers of which 65% are general insurance companies Asias life and general insurance premiums total over US$ 600 billion Over 75% of this consists of life insurance
Life Insurance is less fragmented than general insurance as it requires deeper pockets

Insignificant share in South Asian market

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Life Insurance : Sunrise Industry

Deregulation and privatisation has thrown up tremendous opportunities in the insurance industry Vast untapped potential in the life insurance industry barely 6% of Indias insurable population is insured

India, which accounts for 8% of Asias GDP only accounts for 1% of its life insurance premiums
Indias position in future

India way below its potential

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Life Insurance : Some Facts

Out of 1 bn people in India only 35 mn are covered through some insurance

Per capita premium in India is only Rs 450 as compared to 1.41 lacs in US, 1.78 lacs in Japan, Rs 55000 in S. Korea, Rs 43000 in Spain

Indian insurance industry is slated to touch $ 25 bn by 2010 assuming 7% GDP growth

Lack of a comprehensive social security system and escalating costs of administering pension system in the country

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Life Insurance : Then & Now

Then (Before Privatisation)
Monopoly by LIC No customer education & Upgradation Insurance = Tax savings Pushed product & inflexible offerings Insurance agents not competent of giving financial advice Slack service levels lack of due attention Low professional acceptability

Now (Post Privatisation)

Competition from world class companies Great focus on customer education and awareness Insurance = Risk coverage + Investment + Tax savings + Peace of mind Needs based proposition, flexible & innovative products Educated & competent professionals as financial advisers offering best advice Highly personalized & technology assisted services Top ranking professionals are driving the businesses 14

What Do We Offer ?

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Value Proposition 7 Wonders

7 6 5 4 3 2 1
Career Progression

Social Status

World Class Training

Holidays Abroad

Flexile Working Hours

Guaranteed Lifelong Pension

Unlimited Earnings
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Proposition 1

The Great Value Deal

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The Great Value Deal

Every sale brings you one step closer to your dreams

Lifetime Commission Structure:

1st Annual Premium 35% 2nd Annual Premium 6% 3rd Annual Premium 6% 4th Year Onwards 5% (Till the time policy continues)

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The Great Value Deal

Average Earning Potential Demonstration For A Financial Planning Advisor
Month Total Policies Per Mth Premium 1st Yr Per Policy Total Prem Comm @ 30% 2nd Yr 3rd Yr 4th Yr Comm @ Comm @ Comm @ 6% 6% 5% 5th Yr Comm @ 5% Total Earnings 1st Yr Year 1 4 12000 576000 172800 172800
MONTHLY INCOME

14400
Assuming 20% growth next year 2nd Yr Year 2 5 14500 870000 261000 34560 295560
MONTHLY INCOME

24630
Assuming 20% growth next year 3rd Yr Year 3 6 17500 1260000 378000 52200 34560 464760
MONTHLY INCOME

38730
Assuming 20% growth next year 4th Yr Year 4 8 21000 2016000 604800 75600 52200 28800 761400
MONTHLY INCOME

63450
Assuming 20% growth next year 5th Yr Year 5 10 25500 3060000 918000 120960 75600 43500 28800 1186860
MONTHLY INCOME

98905 19

Proposition 2

Guaranteed Lifelong Pension

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Guaranteed Lifelong Pension

Average Earning Potential Demonstration For A Financial Planning Advisor
Month Total Policies Per Mth Premium Per Policy Total Prem 1st Yr Comm @ 30% 2nd Yr 3rd Yr 4th Yr Comm @ Comm @ Comm @ 6% 6% 5% 5th Yr Comm @ 5% Total Earnings 1st Yr Year 1 4 12000 576000 172800 172800
MONTHLY INCOME

14400
5th Yr Year 5 10 25500 3060000 918000 120960 75600 43500 28800 1186860
MONTHLY INCOME

98905

Over 550% growth in five years Assuming you conduct the business only for 10 years, how much pension you would have earned for yourself?

Rs 2 lacs PER MONTH for Life

Can you earn that much pension in your current occupation?

How much pension you want to earn? Lets Plug & Play
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Sounds Unrealistic?

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Testimonials
Name - Engr Pankaj Buckshey (Gurgaon)
Age 46 Yrs Qualification Chartered Engineer Work Experience 23 yrs First Year Earnings Rs 5.4 lacs

Name Dhvani Vyas (Mumbai)

Age 22 Yrs Qualification Graduate Work Experience 2 years First Year Earnings Rs 5 lacs

Name Ms Sneh Gupta (Jaipur)

Age 39 Yrs Qualification Interior Designer Work Experience 14 yrs, Busn. First Year Earnings Rs 3 lacs

Name Mr Birendra Kumar (Delhi)

Age 27 Yrs Qualification MBA Work Experience 4 years First Year Earnings Rs 4.1lacs

Name Mr Phool Chand Yadav

Age 27 Yrs Qualification Post Graduate Work Experience 7 Months First Year Earnings Rs 2.4 lacs

Name Amarnath Reddy ( Hyderabad )

Age 25 Yrs Qualification Graduate Work Experience 1 Yrs First Year Earnings Rs 2.7 lacs
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Proposition 3

Your Work, Your Time..Anytime

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Your Work,Your Time..Anytime

A life covered anytime, helps a family secure their dreams every time Rule of 34 Meet 3 new prospects every day &

Collect 4 references every day

Every earning person you come across is a potential client Ask yourself How many earning people you know? How many people do your family members know? Multiply the number by 4 and see how many potential clients you can meet to begin with
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Proposition 4

Dream Trips
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Dream Trips
Holidays In India & Abroad Semi Annual Conventions Columbo, Mussourie (2003) Blue Riband Ambassadors Conference Bangkok (2003), S. Africa (2004)

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Proposition 5

Our Investment In Your Future

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Investing In Your Future

365 Day Training Plan For Our FPAs
100 Hrs IRDA Pre-licensing Training Mandatory For Certification 16 Days T FPA joins 100 hours T+50 FPA undergoes assessment

Product Training:

LPHA
05 Days

T+16 FPA undergoes Alpha

T+120 FPA undergoes FHC/PQIS refresher

Evolv Training
3.5 Days

T+46 FPA undergoes Alpha skills

T+300 FPA undergoes Skills reassessment

Refreshers
1 2 Days

T+50 FPA undergoes assessment

T+302 FPA undergoes Skills refresher

Apart from this there are regular training programs conducted by Sales Mgrs

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Proposition 6

Social Status
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Social Status
Recognition Club Ring of Honour Silver Ring Gold Ring Platinum Ring Club Rewards

Recognition letter from Director / MD

Business Allowance Aviva Trophy Gifts Free Insurance Cover Personalized Stationary In addition there are monthly, quarterly, semi annual, annual and milestones based contests

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Is That All?

Not Yet!

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Partners In Progress
Aviva Navkriti Vision defined by us

Aviva Mentoring Program Guiding your growth

Aviva Engagement Philosophy Ranked 14th In Great Places To Work survey Aviva Leading By Example 48 advisors promoted to sales manager positions in one year

Aviva FPA welfare program Subsidized insurance cover, Medical facilities, Equal FPA involvement and representation in all events, fairs and sports

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Our Expectations.

Your Commitment

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Our Expectations
Positive and a go-getting attitude Passion for selling Networking abilities Honesty and Integrity in all dealings Customer centric approach - Build relationships Emotional maturity Assertiveness Hold profession in high esteem Adherence to Avivas standards of conduct

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Aviva - The Right Choice

Exciting growth opportunities Security - combined strength of both companies A professional work environment Learning Opportunities Personal and Professional Development World class training in selling skills, financial assessment & advice Career Progression An unlimited earning potential and, thus. giving you the power to take control of your future

Partner with Aviva and Have Dreams Par Control

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